1426 Gary St, Punta Gorda, FL 33982 Property Records

Charlotte County property record for 1426 Gary St, Punta Gorda, FL 33982

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,302 sqft · built 1954
Lot Size	0.195 acres (8,508 sqft)
Owner	Individual Name on File
Last Sale	$160,000 (Aug 2025)
Tax Bill	$1,868 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Mar 2020 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`402335128004`

Property Details

APN / Parcel Number

Primary APN	`402335128004`
Alternative APNs	`00864450000002` `10004625075`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,302 sqft Living Area
Gross Area	1,656 sqft
1st Floor Area	1,302 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Exterior Material	Block/Masonry
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,508 sqft (0.195 acres)
Garage Type	Carport
Garage Area	220 sqft
Carport	Carport
Carport Area	220 sqft
Porch	Slab
Porch Area	134 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	00864450000002
Street Address	1426 GARY ST
City	PUNTA GORDA
State	FL
Zip	33982-1715
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF5
Legal Description	HIRONS SUB PART OF LT 2 AND PART OF LT 12 DESC AS BEG SE COR LT 2 N 40 FT E 25 FT N 64.99 FT W 11.14FT SE 16.94 FT S 13.51 FT SW 36.08 FT SW 105.11 FT S 8.47 FT E 117.99 FT TO POB 192/454 346/985 542/954 616/748 DC681/1309 681/1311 1227/1514 136
Legal Range	23E
Legal Township	40S
Legal Section	35
Legal Subdivision	HIRONS SUB PART OF
Legal Tract	HRN
Legal Lot Number	2,12
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PUNTA GORDA
Census Block Group	4
Census Block	4027
Census Tract	10200

Owner

1426 Gary St is owned by an individual who bought it in August 2025.

Source: Charlotte County records, as of October 13, 2026

Owner of Record	Individual Name on File
Mailing Address	7673 SW COLLINS ST, ARCADIA, FL 34269-3400
Owner Type	Individual
Vesting	Widow or Widower

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 27, 2021	Intrafamily Transfer, Transfer · FHA Mortgage HOMETOWN LENDERS INC
Mar 17, 2020	Warranty Deed, Transfer · Conventional Mortgage HOMETOWN LNDRS
Sep 25, 2018	Tax Deed, Foreclosure Foreclosure Auction

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 27, 2025 · Amount on File
Deed Sale	Aug 27, 2025 · Amount on File
Prior Sale	Sep 27, 2021 · Amount on File
Deed Document Number	20253562004
Prior Transfer Date	Sep 20, 2021
Prior Transfer Doc	0048472158
Record Updated	Oct 29, 2026

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHARLOTTE FL
Recording Date	Sep 27, 2021
Property Address	1426 GARY ST, PUNTA GORDA, FL 33982-1715
Document Number	0048472158
Book / Page	4847 / 2158
Map Reference	MB 2 PG 86
Instrument Date	Sep 20, 2021
Instrument	3002351
Transaction Type	Transfer
Record Updated	Oct 13, 2021
Title Company	HOMETOWN TITLE AND CLOSING SERVICES, HOMETOWN TTL & CLOSING SVCS

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1426 GARY ST, PUNTA GORDA, FL 33982-1715

Mortgage

Document Number	48472160
Date	Sep 27, 2021
Instrument	4847/2160

Lender

Name	HOMETOWN LENDERS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Mar 17, 2020
Property Address	1426 GARY ST, PUNTA GORDA, FL 33982-1715
Document Number	0045521389
Book / Page	004552 / 001389
Instrument Date	Mar 13, 2020
Instrument	2796338
Transaction Type	Transfer
Record Updated	May 29, 2020
Title Company	HOMETOWN TITLE AND CLOSING SERVICES, HOMETOWN TITLE & CLOSING SVCS

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$987.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1426 GARY ST PUNTA GORDA FL 339821715, PUNTA GORDA, FL 33982-1715

Mortgage

Document Number	45521401
Date	Mar 17, 2020
Book Page	004552/001401
Instrument	2796340

Lender

Name	HOMETOWN LNDRS
Address	HUNTSVILLE, AL 35806

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 16, 2050

Mortgage

Document Number	45521390,
Date	Mar 17, 2020
Book Page	004552/001390
Instrument	2796339

Lender

Name	HOMETOWN LNDRS
Address	HUNTSVILLE, AL 35806

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 16, 2050

September 2018: Tax Deed, Foreclosure

Document Type	Tax Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Sep 25, 2018
Property Address	1426 GARY ST, PUNTA GORDA, FL 33982-1715
Document Number	0043611485
Book / Page	004361 / 001485
Instrument Date	Sep 25, 2018
Instrument	2648221
Transaction Type	Foreclosure
Record Updated	Oct 10, 2018

Transaction

Amount	Amount on Record
Tax	$364.70
Amount Accuracy	Confirmed
Additional	Foreclosure Auction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	44 COLONY POINT DR PUNTA GORDA FL 339505028, PUNTA GORDA, FL 33950-5028

Tax Assessment & Valuation

The 2025 property tax bill for 1426 Gary St was $1,868, down 12.7% from the year before.

Source: Charlotte County assessment roll, as of November 19, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Charlotte County
Unified School District	Charlotte County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,868.00 (-12.71%)	$83,546 Land $10,200 Building $73,346	$83,546 Land $10,200 Building $73,346
2024	$2,140.00 (+1.81%)
2023	$2,102.00 (+11.93%)	$91,621 (+0.27%)	$69,313 (-24.14%) Land $12,000 Building $57,313
2022	$1,878.00	$91,370 Land $8,500 Building $82,870	$91,370 Land $8,500 Building $82,870

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1426 Gary St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 28, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	10.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 39 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	69 units insured incl. 30 condo units
Nearby Flood Claims	6 (2010–2022)
Claims Outside the SFHA	6 of 6
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 4 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 1426 Gary St is low, with a 0.06% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 62% of the US · lower than 88% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF PUNTA GORDA serves 36,302 people · EPA ID FL6080051
Water Source	Surface water
Last State Inspection	Dec 2023
Lead	4 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Oct 2019
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 120 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: BridgeMAXX Suncoast Broadband.

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